Staying Safe OnlineScott Credit Union
With the average American spending 24 hours a week online, internet safety is more important than ever. A hacked or compromised computer can put you at risk for money loss, phishing scams or even complete identity theft.
It gets worse: If your computer’s security has been breached, it can be turned into a “middle man” for online theft. Criminals can remotely control a computer with weak security and use it as a tool for large-scale crimes against hundreds or thousands of other computer users. An unprotected computer can commit awful crimes without its owner even knowing about it!
Fortunately, keeping your privacy, money and sensitive information safe when browsing the internet is simple; all it takes is awareness, some proactive steps and lots of common sense.
Practice username and password safety
- Use strong passwords. For optimal security, choose passwords that include a mixture of capitalization use, numbers, letters and symbols.
- Use a password manager. The best way to ensure that your passwords don’t get hacked is to use a password manager like Sticky Password, LastPass or 1Password. These services generate a super-secure password for every site you visit — but you’ll only need to remember your one master password.
- Change your password. Experts recommend changing your passwords every 30-40 days.
- Never double passwords. Using common passwords across multiple sites is easy on the memory but hard on your safety and security.
- Make a username that’s easy enough for you to remember but hard for others to guess. Avoid using simple words such as your first name or a single word.
- Avoiding putting personally identifying information in your username such as your full name, birth date, address, account number, or social security number. Even just using part of your account number and SSN is a bad idea.
- Don’t use your email address as your username. If a criminal gets a hold of your email address, they may try to use it to break into any account in which you’ve used it as a username.
Avoid fake sites
The easiest way to get scammed online is to visit a fraudulent site. If you’re browsing a site you don’t usually use, ask yourself these questions to make sure it’s safe:
- Does your browser warn you against visiting the site? Whether you browse with Chrome, Firefox or Safari, your browser will warn you about certain sites based on actual data and user reports.
- Is the web text riddled with grammar mistakes and typos? Reputable website owners are careful to present a polished, professional look. If a site looks like it was written by a second-grader, leave it.
- Is the site secure? Only visit sites with an “https” and not just an “http” in the address bar.
- Does the digital footprint check out? Search the company’s name to see what the internet and Better Business Bureau are saying about them.
- Is there a legitimate “contact us” section? There should be an authentic physical address and phone number for the business.
- Is there an excessive number of ads? Ads are intrinsic to the online world, but if a website seems to be covered in intrusive ads, it’s likely a fake.
- Check the shipping and return policies. If you can’t find this information, the site probably doesn’t really sell anything at all — though they are happy to take your money.
- Is there a trust seal? Companies that deal with sensitive information make an investment to earn your trust. A trust seal, like the PayPal or Norton Secured seal, tells you the company has worked hard to deserve your trust.
- Is the URL authentic? When redirected to another site, check the new URL to see if it matches the original company.
Update your browser
Perhaps the most neglected and simplest step of internet safety is keeping your browser updated. With just one click, you’ll increase your browser’s security and improve your computer at the same time.
An updated browser will provide better security. Internet companies are constantly looking for ways to protect you and keep you safer; take full advantage of their efforts by always using the latest version.
An updated browser offers stronger protection against the most recent scams, phishing attacks, viruses, Trojans, malware and more. Newer browsers have also patched up security vulnerabilities that may be present in your older browser.
Updating your browser is super-easy and super-quick. Late model computers will update automatically as soon as new iterations are released to the public. If your computer is a little older, you can choose the “auto-update” feature available on some browsers for the same results. Otherwise, you can update your browser manually by following the instructions on your browser. These are typically easy to follow and take just a few clicks.
Follow these tips for safe online browsing. A few small steps now can save you heaps of aggravation and money lost down the line. Don’t let those hackers get to you!
Your Turn: How do you keep safe online? Share your best tips with us in the comments.